Canada
US
You are now leaving our website and entering a third-party website over which we have no control.
See you in a bit
TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.
Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.
Site Index
TD Personal Banking
- Personal Home
- My Accounts
- How To
- Today's Rates
- Accounts (Personal)
- Chequing Accounts
- Savings Accounts
- Youth Account
- Student Account
- Credit Cards
- Aeroplan points
- Travel Rewards
- Cash Back
- No Annual Fee
- Low Rate
- U.S. Dollar
- Mortgages
- Borrowing
- Personal Investing
- GIC & Term Deposits
- Mutual Funds
- TFSA - Tax-Free Savings Account
- RSP - Retirement Savings Plan
- RIF - Retirement Income Options
- RESP - Education Savings Plan
- RDSP - Disability Savings Plan
- Precious Metals
- Insurance
- Travel Medical Insurance
- All Products
- Students
- New To Canada
- Banking Advice for Seniors (60+)
- Cross Border Banking
- Foreign Exchange Services
- Ways to Pay
- Ways to Bank
- Green Banking
- TD Advice
TD Small Business Banking
- Small Business Home
- Accounts (Business)
- Chequing Account
- Savings Account
- U.S. Dollar Account
- AgriInvest Account
- Cheque Services
- Credit
- Overdraft Protection
- Line of Credit
- Business Credit Cards
- Loan
- Business Mortgage
- Canada Small Business Financial Loan
- Agriculture Credit Solutions
- TD Auto Finance Small Business Vehicle Lending
- Invest for your Business
- Advice for your Profession or Industry
- TD Merchant Solutions
- Foreign Currency Services
- Employer Services
TD Corporate
Other TD Businesses
1 Value of up to $1,930 in welcome bonuses, savings, and benefits is calculated as follows:
- TD Unlimited Chequing Account Offer3: Earn up to $203.40 in account fee savings for the TD Unlimited Chequing Account (the “New Chequing Account”) and completing the qualifying criteria as set out in the offer3. This value is based on $16.95 monthly account fee rebate for the first 12 months.
- Limited Time TD Unlimited Chequing Account Offer4: Earn $450 in cash when you open a new TD Unlimited Chequing Account ("New Chequing Account") by November 5, 2025, and complete the qualifying criteria in accordance with Limited Time TD Unlimited Chequing Account Offer below4.
- TD Savings Account Offer11: Earn $50 in cash by opening a New Chequing Account and open a new TD ePremium Savings Account, TD Every Day Savings Account, or a High-Interest TFSA Savings Account (“TFSA HISA”) within TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and completes the qualifying criteria in accordance with Savings Account Offer below11.
- Limited Time Savings Deposit Offer12: Earn $200 in cash based on a $10,000 new savings deposit balance, by opening a New Chequing Account and open a new TD ePremium Savings Account, TD Every Day Savings Account, TD Growth Savings Account (the "New Savings Account") or a High Interest TFSA Savings Account ("TFSA HISA") within TD Canada Trust TFSA, within 30 days of the New Chequing Account opening and completes the qualifying criteria in accordance with Limited Time Savings Deposit Offer12.
- TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer13: Earn up to $524 in value14, including up to 20,000 Aeroplan points13, 15 and no Annual Fee for the first year13. Conditions apply14. Account must be opened by November 5, 2025.
- TD Global Transfer Offer16: Up to $105 annual value is based on seven Western Union® Money TransfersSM for 12 months using TD Global Transfer™ at a fee of up to $15 per transfer. You must complete the qualifying criteria as set out in the offer. Transfer fee amount is dynamic and subject to change. Foreign currency exchange rates still apply. Other banks involved in transferring the money may charge additional fees to the recipient of the funds.
- TD Direct Investing Offer6: Up to $300 value is based on the combined total value of:
- At least $100 in Cash Back when meeting the minimum funding requirement of $10,000
- Up to $100 in value from 10 commission-free trades (up to $9.99 per trade)
- Up to $100 in the first year of maintenance fees rebated
- Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory by May 29, 2025. This offer begins on May 29, 2025, and ends on November 5, 2025. Please see the complete terms and conditions below for eligibility.
- Amazon.ca Gift Card Offer17: Earn a $100 Amazon.ca Gift Card upon opening a new TD Unlimited Chequing Account AND a new TD ePremium Savings Account, TD Every Day Savings Account, TD Growth Savings Account (the "New Savings Account") or a High Interest TFSA Savings Account ("TFSA HISA") within TD Canada Trust TFSA, within 30 days of the New Chequing Account opening AND apply for and be approved for a new TD Credit Card17 in accordance with Amazon.ca Gift Card Offer below17.
2 Value of up to $945 in welcome bonuses, savings, and benefits is calculated as follows:
- $125 Cash Offer when you start by opening a new TD Student Chequing Account7 AND
Complete any two of the following with your new TD Student Chequing Account before January 31, 2026:- Set up a recurring direct deposit from your employer or the government.
- Set up Autodeposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50.
- Make an online purchase using your TD Access Card with Visa* Debit.
- Set up a Pre-Authorized Transfer Service or Simply Save to an eligible TD Savings Account
- Up to $100 in Cash Back Dollars when you open a new TD Cash Back Visa* Card by November 5, 2025.8 Conditions apply.8, ^ Eligible for students only.
- Eligible students can earn up to $250 in value9 in the first year when opening a NEW TD Direct Investing account with ongoing benefits afterward. Earn a cash reward of $50, up to 10 commission-free trades ($9.99 per trade), and quarterly maintenance fees rebated ($25 per quarter) for the first year. In addition, subsequent trades can receive a 50% commission rebate until the student turns 26 years old.9
- TD Global Transfer Offer18: Up to $360 annual value is based on two money transfers per month for 12 months using TD Global Transfer™ at a fee of $15 per transfer. You must complete the qualifying criteria as set out in the offer. Transfer fee amount is dynamic and subject to change. Foreign currency exchange rates still apply. Other banks involved in transferring the money may charge additional fees to the recipient of the funds.
- Get a $50 Amazon.ca Gift Card19 if you: (a) open a new TD Student Chequing Account and complete the qualifying criteria for TD Student Chequing Account $125 Cash Offer7; (b) open a new TD Every Day Savings Account, a TD ePremium Savings Account or a TD High Interest Savings Account by November 5, 2025, and complete the qualifying criteria19 by January 31, 2026; and (c) open an eligible Credit Card19 by November 5, 2025, and meet the qualifying conditions in accordance with the $50 Amazon.ca Gift Card Offer19.
- $60 in savings with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a TD Student Chequing Account (regular $5 monthly fee for Monthly Plan Overdraft Protection)20
3 TD Unlimited Chequing Account Offer: A TD Unlimited Chequing Account (the “New Chequing Account”) must be opened in order to qualify for the monthly account fee rebate. The monthly account fee will only be rebated for the first 12 months that the New Chequing Account is open and is limited to one account per person, and the type of chequing account cannot change during the 12-month period. The monthly account fee rebate only applies to the regular/pro-rated monthly fee; all other fees will continue to apply. If the minimum monthly balance is maintained in the New Chequing Account in any given month during the first 12 months that the account is open and the monthly account fee is not charged, no monthly account fee rebate will be applied for that month. For details on fees, please see: http://www.tdcanadatrust.com/products-services/banking/accounts/fees.jsp
4 Limited Time TD Unlimited Chequing Account Offer: The $450 cash offer is available to individuals qualifying as New to Canada that are the age of majority at time of account opening in their province or territory. To earn $450 in cash, you must:
- Open a new TD Unlimited Chequing Account ("New Chequing Account") between May 29, 2025, and November 5, 2025; and
- Complete any two of the following with the New Chequing Account:
(a). Set up a recurring Direct Deposit from their employer, pension provider, or the government, with the first deposit posted to the New Chequing Account before January 9, 2026. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a recurring Direct Deposit is acceptable for this offer is subject to our approval.
(b). Make an online bill payment through EasyWeb or the TD app, (minimum $50) before January 9, 2026;
(c). Set up a recurring Pre-Authorized Debit, (minimum $50) with the first Pre-Authorized Debit posted to the New Chequing Account before January 9, 2026. Pre-authorized Debit must occur either weekly, biweekly, monthly, or twice per month. Learn more about Pre-authorized Debit
The following are not eligible for the $450 cash offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025 or
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024; or
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who received any Chequing Account offers from TD in 2023, 2024, 2025; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
For any New Chequing Account that is a joint account, at least one account holder on the New Chequing Account must meet the eligibility requirements. Limit of one $450 cash offer per New Chequing Account. Limit of one $450 cash offer per customer.
The $450 will be deposited to the New Chequing Account within 12 weeks of all conditions being met, provided that the New Chequing Account is still open, in good standing, and is one of the New Chequing Account types with all conditions continuing to be met at the time of fulfillment. The monthly fee for the New Chequing Account cannot have been waived or rebated for any reason, other than maintaining the minimum monthly balance, receiving a seniors' rebate, or receiving the New to Canada 12-month fee waiver on the TD Unlimited Chequing Account, and the type of account cannot have changed, before the $450 is deposited to the New Chequing Account.
We can change, extend, or withdraw this offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product.
For information about Chequing Account transactions and a complete list of account fees, see About Our Accounts and Related Services.
5 TD Cash Back Visa* Card Offer Terms & Conditions:
Annual interest rates, fees, and features are current as of April 30, 2025, unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on May 29, 2025, and ends November 5, 2025 (the "Offer Period"), and is available only to those Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by November 5, 2025. You may qualify to earn up to a total value of $150 through this Offer:
Earn $10 Cash Back Dollars on your first $10 purchase in the first 3 months or earn $150 in Cash Back Dollars when you spend $1,500+ in the first 3 months; applied to your Cash Back Dollar balance after the 3 months as a one-time payout. Conditions apply.^, Δ
You must keep your Account open, active and in Good Standing during the Offer Period and at the time the Cash Back Dollars are applied to your Account. To earn $150 Cash Back Dollars to the TD Cash Back Visa* Card, you must make $1500 in Purchases on your account including the first eligible Purchase within 90 days of Account opening ("First 3 Months"). Cash Back Dollars can be redeemed to help pay down your account balance.
Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated. Please allow 8 weeks after the conditions of the Offer are fulfilled for the Cash Back Dollars to be awarded to your Account. This Offer is not available to customers who (1) have activated a TD Cash Back Visa* Card Account prior to the Offer Period, (2) transfer their existing TD Credit Card into a TD Cash Back Visa* Card Account, or (3) customers who have closed any TD Credit Card within the last 12 months.
We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars not yet awarded.
New to Canada Offer Eligibility will be allocated to those who apply for the TD Cash Back Visa* Card as part of the New to Canada Banking Package. The up to $150 Cash Back Dollar offer is available to New to Canada customers who:
- Must be a Permanent Resident or Temporary Resident of Canada for 5 years or less; and
- Does not have an existing TD Credit Card Account.
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.
Quebec Only
Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
- Annual Fees: To be charged on the first statement after your first use of the Card and annually thereafter in the same month.
- Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
- Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
- Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
- Example of Interest Charges
Examples of Interest Charges for a 30-Day Billing Cycle |
||||
Annual Interest Rate |
Average Daily Balance |
|||
$100 |
$200 |
$1,000 |
||
Purchases |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Cash Advances |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Purchases – Default Rate |
26.99% |
$2.22 |
$4.44 |
$22.18 |
Cash Advances – Default Rate |
27.99% |
$2.30 |
$4.60 |
$23.01 |
^ Please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.
6 TD Direct Investing Offer Terms and Conditions: Get 1% Cash Back, up to 10 commission-free trades, and your first year of maintenance fees rebated with TD Direct Investing.
This offer includes a 1% cash back with a minimum funding of $10,000, up to 10 rebated trades (up to $9.99 per trade), and quarterly maintenance fees rebated for the first year (up to $25 per calendar quarter). Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory by May 29, 2025. This offer begins on May 29, 2025, and ends on November 5, 2025. Please see the complete terms and conditions below for eligibility.
To qualify for the offer:
- Enrol in the New to Canada banking package prior to the completion of a New Account application (as described below). Confirm enrolment through a TD branch or by calling the EasyLine telephone banking service at 1-866-222-3456. Please see the complete terms and conditions for the New to Canada Banking package for eligibility.
- Open a New TD Direct Investing account ("New Account") by November 5, 2025, using the promo code CANADA.
- Eligible "Account(s)" for the Offer:
- Cash (single or joint account holder)
- Margin (single or joint account holder)
- TFSA
- RSP
- FHSA
- Temporary residents may not be eligible for all account types mentioned.
- Account(s) not eligible for the Offer:
- Locked-in registered
- Any non-personal accounts
- Registered Education Savings Plan (RESP)
- Self-Directed Retirement Income Fund (RIF)
- Self-Directed Registered Disability Savings Plan (RDSP)
- TD Easy Trade™ account
- Eligible "Account(s)" for the Offer:
- To qualify for the 1% Cash Back award, transfer $10,000 or more in investable assets or cash from another Canadian financial institution(s) ("Qualifying Assets") to the new eligible Account(s) by November 30, 2025:
- Transfers originating from TD Direct Investing, TD Easy Trade, TD Wealth Financial Planning, TD Wealth Financial Planning Direct, TD Wealth Private Wealth Management, TD Wealth Private Investment Advice, TD Wealth Private Trust, and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
- Transfers of mutual funds or Guaranteed Investment Certificates originating from TDCT accounts are not included in the Qualifying Assets..
- Each client must maintain the Qualifying Assets in their eligible Account(s) for 12 months ("Holding Period") after the Funding Deadline.
- Qualifying Assets withdrawn, deregistered, or transferred out from an Account(s) before the Holding Period ends, will be subtracted from the value of Qualifying Assets.
- If the Qualifying Assets fall below $10,000 at the end of the Holding Period, no Award will be granted to the client.
- Assets transferred into the Account(s) after the Holding Period will not form part of the Qualifying Assets
- To receive a trade rebate, the client must place commissionable trades in the New Account within 12 months of its opening date. Rebates apply only to trades placed on WebBroker during this period. Trades placed over the phone with the assistance of an Investment Representative are not included. 10 commission rebates (up to $9.99 per trade) will be applied to Canadian and U.S. equity, Exchange Traded Funds (ETF), and/or option trades that incur a commission charge. Both full share trades and partial share trades are included in the 10 rebated trades offer. For options trades, only the flat portion of the trade commission will be eligible for rebate, the commission fee per contract is not rebate eligible. Fixed income, mutual funds, bullion, new issues, and trades placed on markets which; are not in the U.S. or Canada are excluded from this promotional offer.
- If the New Account is charged maintenance fees, they will be rebated to the account on a quarterly calendar basis for the first 12 months since account opening.
Further Terms and Conditions:
- Clients are eligible to receive 1% cash back on the cumulative Qualifying Assets when they qualify for the Offer.
- The market value of investable assets at the time of deposit will be used to determine the Cash Back Award.
- The Award will be calculated on the net deposit volume of Qualifying Assets in the enrolled Account(s) between May 29, 2025, and November 30, 2026. Any withdrawals that occur within this period will be subtracted from the total deposits.
- The maximum Award a client can receive is $10,000.
- Where the client's Qualifying Assets are transferred to only one new account (whether single or joint), the Award will be deposited into that Account. Where a client has enrolled multiple new Accounts, the Award will be divided and deposited to each Account in proportion to the value of Qualifying Assets transferred into each Account. Transfer $10,000 or more in investable assets or cash from another Canadian financial institution.
- To receive the Award, a client must keep the Account in good standing until the Award payout date. This requires the Account to not go into a debit position or into a margin call. Debit positions on margin Accounts are acceptable.
- Customers who previously opened a TD Direct Investing account under the New to Canada promo will not be eligible.
- Employees of TD Bank Group are not eligible for this offer.
- This offer may be changed, extended, or withdrawn at any time without notice.
- This offer cannot be used in conjunction with any other TD Direct Investing offer.
- TD Direct Investing reserves the right to refuse the provision of any awards and benefits under this Offer if it determines you have violated the terms as set out above.
- Investable assets exclude any securities that are restricted, subject to a cease trade order, or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- An Account that is a joint Account refers to the cash or margin Account that has more than one owner. The Award is paid in full into the joint Account and does not get allocated to each joint Account owner. TD Direct Investing is not responsible for how the payout is distributed amongst joint Account owners once the award is paid out.
- For members of the same household who open Accounts that include one or more joint Accounts, a single Award will be (a) calculated based on the total of Qualifying Assets deposited into the Accounts and (b) paid into the Accounts in proportion to the value of the Qualifying Assets deposited into each of the Accounts.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility.
- There may be tax implications associated with the cash award and rebates. Clients may wish to consult with their personal tax advisor for more information. For registered plans, the cash award is paid directly to the plan and is not considered a contribution.
- Interest, dividends, standard market fluctuations, and Account fees will be excluded from calculations used to determine whether an Account qualifies for the awards.
- Up to 10 trade commissions will be rebated. Full or partial share trades are applicable.
- If either full share trades or partial share trades are placed in CAD, the commission will be rebated to a maximum of $9.99/trade CAD. Trade commissions placed in USD will be rebated in USD to a maximum of $9.99/trade USD.
- Commission fee rebates will be deposited to the New Account that was charged the commission on a first-in, first-out basis from the date the account is opened.
- Terms of fee rebates: TD Direct Investing will apply a bulk rebate of eligible trades to the New Account on January 30, 2026, and then rebate eligible commissionable trades to the New Account by every last business day of the month (starting February 27, 2026) for commissionable trades placed in the previous month. If the last day of the month is a holiday, commission rebates will be applied within the next two business days.
- Terms of Award Payment: The 1% Cashback Award will be paid in CAD to the eligible client account by December 31, 2026. Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of an Account(s). U.S. dollar balances will be converted into Canadian dollars to determine eligibility. Where the client's Qualifying Assets are transferred to a single account, the Cash Award will be deposited into that account. Where the client's Qualifying Assets are transferred to multiple accounts, the Cash Award will be divided and deposited to each account in proportion to the value of the Qualifying Assets transferred into each account.
Terms of Maintenance Fee rebates: If the quarterly maintenance fee is charged to the account, it will be rebated back to the account on a quarterly calendar basis.
7 TD Student Chequing Account $125 Cash Offer Terms and Conditions:
To be eligible for the $125 Cash Offer, customers must:
- Open a TD Student Chequing Account between May 1, 2025, and November 5, 2025 (the “New Account”), and
- Complete any two of the following with the New Student Chequing Account before January 31, 2026:
i. Set up a recurring Direct Deposit from your employer or the Government with the first deposit posted to the New Chequing Account by January 31, 2026. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a Recurring Direct Deposit is acceptable for this offer is subject to our approval;
ii. Set up Autodeposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50 by January 31, 2026;
iii. Make an online purchase using your TD Access Card with Visa* Debit by January 31, 2026. Regular transaction fees may apply;, see About Our Accounts and Related Services for more information;
iv. Set-up a recurring Pre-Authorized Transfer Service or Simply Save from the New Chequing Account to a TD Every Day Savings Account, TD ePremium Savings Account or TD High Interest Savings Account by January 31, 2026. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, monthly. Simply Save can be daily, weekly, or bi-weekly of any amount between $0.50 to $5.00; or
For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services.
The following are not eligible for the $125 Cash offer:
i. Customers who already have a TD chequing account that was closed on or after May 1, 2024; or
ii. Individuals who received any chequing account offer from TD from 2023 to 2025; or
iii. TD staff members or a joint account with a TD staff member.
For any new TD Student Chequing Account that is a joint account, at least one account holder on the new TD Student Chequing Account must meet the eligibility requirements. Limit of one $125 Cash Offer per customer, per new TD Student Chequing Account. The $125 Cash Offer will be deposited to the New TD Student Account within 12 weeks of all conditions being met, provided that the new TD Student Chequing Account is still open, in good standing, with all conditions continuing to be met. We can change, extend, or withdraw the $125 Cash Offer at any time, and it cannot be used in conjunction with any other offer or discount for the same product. All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply.
8 TD Cash Back Visa* Card Offer Terms and Conditions:
Annual interest rates, fees, and features are current as of April 30, 2025, unless otherwise indicated and subject to change.
Limited Time Offer ("Offer"): This Offer starts on May 1, 2025 and ends November 5, 2025 (the "Offer Period") and is available only to those student Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by November 5, 2025. You may qualify to earn up to a total value of $100 through this Offer:
Earn $10 Cash Back Dollars on your first $10 purchase in the first 3 months or earn $100 in Cash Back Dollars when you spend $1,200+ in the first 3 months; applied to your Cash Back Dollar balance after the 3 months as a one-time payout. Conditions apply.^, Δ
You must keep your Account open, active, and in Good Standing during the Offer Period and at the time the Cash Back Dollars are applied to your Account. To earn $100 Cash Back Dollars to the TD Cash Back Visa* Card, you must make $1,200 in Purchases on your account including the first eligible Purchase within 90 days of Account opening ("First 3 Months"). Cash Back Dollars can be redeemed to help pay down your account balance.
Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Please allow 8 weeks after the conditions of the Offer are fulfilled for the Cash Back Dollars to be awarded to your Account. This Offer is not available to customers who (1) have activated a TD Cash Back Visa* Card Account prior to the Offer Period, (2) transfer their existing TD Credit Card into a TD Cash Back Visa* Card Account, or (3) customers who have closed any TD Credit Card within the last 12 months.
We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars not yet awarded.
This Offer is available only to (1) full-time post-secondary students enrolled in an accredited university or college in Canada or elsewhere, (2) who are Canadian residents, (3) do not have an existing TD Credit Card account, and (4) who have listed 'Student' as their Occupation on their application for the TD Cash Back Visa* Card.
See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.
Quebec Only
Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
- Annual Fees: To be charged on the first statement after your first use of the Card and annually thereafter in the same month.
- Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
- Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions, and TD Visa Cheques).
- Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
- Example of Interest Charges
Examples of Interest Charges for a 30-Day Billing Cycle |
||||
Annual Interest Rate |
Average Daily Balance |
|||
$100 |
$200 |
$1,000 |
||
Purchases |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Cash Advances |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Purchases – Default Rate |
26.99% |
$2.22 |
$4.44 |
$22.18 |
Cash Advances – Default Rate |
27.99% |
$2.30 |
$4.60 |
$23.01 |
^ Please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at www.tdcanadatrust.com/products-services/banking/credit-cards/agreements.jsp.
9 TD Direct Investing Offer Terms and Conditions: Eligible students can earn up to $250 in value in the first year when opening a NEW TD Direct Investing account with ongoing benefits afterward. Earn a cash reward of $50, up to 10 commission-free trades ($9.99 per trade), and quarterly maintenance fees rebated ($25 per quarter) for the first year. In addition, subsequent trades can receive a 50% commission rebate until the student turns 26 years old. Both full share trades and partial share trades are included in the rebated trades offer. Offer applies to any qualifying new TD Direct Investing client who is a Canadian resident of age of majority in their province or territory on May 1, 2025. The offer is available to all eligible students who are 25 years of age or under at the time of application. This offer begins on May 1, 2025 and ends on November 5, 2025. Please see the complete terms and conditions below for eligibility.
To qualify for the Cash, Trade, or Quarterly Maintenance Fee rewards, a client must:
- Be a new or existing TD Student Chequing account holder at time of opening a New TD Direct Investing account ("New Account"). The offer is available to all clients who are 25 years of age or under at time of application.
- Open a New TD Direct Investing account ("New Account") by November 5, 2025. The offer is available to all clients who are 25 years of age or under at time of application.
- A New Account may not be a TD Easy Trade™ account. The account type opened must be a single account holder: Cash, Tax Free Savings Account (TFSA), First Home Savings Account (FHSA), Margin, or Retirement Savings Account (RSP) account. Locked-in registered, non-personal, joint, RESPs, RIFs, and RDSP accounts do not qualify for this offer.
- To qualify for the Cash reward, a client must transfer into the New Account $1,000 or more in investable assets or cash from another Canadian financial institution(s) or a TD Canada Trust account ("Qualifying Assets") by November 28, 2025, noting:
- The Qualifying Assets must be in the New Account by no later than November 28, 2025.
- Transfers originating from pre-existing TD Direct Investing, TD Easy Trade™, TD Wealth Financial Planning, TD Wealth Private Investment Advice, TD Wealth Private Trust, and TD Wealth Private Investment Counsel accounts are not included in the Qualifying Assets.
- Qualifying assets exclude any securities that are restricted, subject to a cease trade order, or that are non-listed and without independent evidence of current value acceptable to TD Direct Investing.
- Qualifying Assets will be measured according to the combined value of Canadian and U.S. denominated assets deposited in that currency component of a New Account. USD balances will be converted into CAD to determine eligibility.
- Where a client opens multiple New Accounts, the Qualifying Assets will be calculated by combining the value of the assets transferred into the New Accounts.
- To qualify for commission trade rebates for full share trades and partial share trades, a client must place the first 10 commissionable trades in the New Account during the 12-month period starting from the date the New Account was opened to receive the full value rebate. Rebates apply only to self-serve trades placed electronically during this period. Trades placed over the phone with the assistance of an Investment Representative are not included. Up to 10 commission rebates will be applied to Canadian and U.S. equity, ETF, and/or option trades, which incur a commission charge. For options trades, the flat commission trade fee will be rebated, but the commission fee per contract will still apply. Fixed income, mutual funds, trades placed on markets that are not in the U.S. or Canada, and new issues are excluded from this promotional offer.
- After the first 10 commission trades or after 12 months since the TD Direct Investing account was opened, a 50% discount on subsequent commission trading fees will be rebated. Discounts only apply to self-serve trades completed electronically. Rebates will expire when client turns 26 years of age.
- If account is charged maintenance fees, they will be rebated to the account on a quarterly calendar basis for the first 12 months since account opening.
- If client turns 26 years of age during the first 12 months of account opening, rebate promotions will remain active until the end of the first 12-month period.
- Client must hold a TD Student Chequing account in good standing and be 25 years or under to continue qualifying for all discounts on the TD Direct Investing account.
- If client turns 26 years of age after 12 months since account opening, all promos and rebates will no longer be applied to the account.
- Keep a TD Student Chequing account in good standing to receive all eligible rebates.
Clients requiring assistance to register or otherwise apply for this offer should contact an Investment Representative at 1-800-465-5463 or ask for assistance at their TD Canada Trust branch.
Further Terms and Conditions:
- Clients must maintain a minimum of $1,000 in the New Account until December 30, 2025 following the transfer(s) of the Qualifying Assets (the "Qualification Period"). If withdrawals, deregistration, or transfers during the Qualifying Period reduce the amount of the client's Qualifying Assets below $1,000, no reward will be granted. The value of Qualifying Assets will not be reduced if market value drops below threshold due to market events.
- Margin debit balances are allowed and will not be counted against the value of assets held on account. To receive commission rebates, a participant must keep their New Account in good standing with TD Direct Investing for 1 year following the account open date. Good standing requires that a New Account must not go into a debit position or into a margin call. Debit positions on margin accounts are acceptable.
- To receive cash reward, commission rebates, and discounted trading fees, a participant must keep their New Account in good standing with TD Direct Investing. Good standing requires that a New Account must not go into a debit position or into a margin call. Debit positions on margin accounts are acceptable. TD Direct Investing account must be linked to the profile within the retail banking division of The Toronto-Dominion Bank (TD Canada Trust) to confirm student bundle eligibility. The option to link may be changed anytime by contacting TD Direct Investing.
- Employees of TD Bank Group are not eligible for this offer.
- The offer, rebates, and discounts may be changed, extended, or withdrawn at any time without notice.
- This offer cannot be used in conjunction with any other TD Direct Investing offer.
- This offer is not transferrable to other clients or, if the client joins an existing household, to any preexisting account belonging to the household.
- There may be tax implications associated with the commission rebate. Clients should consult with their personal tax advisor for more information. For registered plans, the commission rebate is paid directly to the plan and is not considered a contribution.
- Up to 10 trade commissions will be rebated (up to $9.99) and subsequent trades will be rebated at a discount of 50%. Only self-serve trades completed electronically are eligible. Please review our Fees & Pricing information available on our website.
- If trades are placed in CAD, the commission will be rebated to a maximum of $9.99/trade CAD. Trade commissions placed in USD will be rebated in USD to a maximum of $9.99/trade USD.
- Commission fees will be rebated to the New Accounts which were charged the commission on a first-in, first-out basis from the date the account is opened.
- Terms of Award Payment: The cash award will be paid in CAD to the eligible client account by January 16, 2026. Where the client's Qualifying Assets are transferred to a single account, the Cash Reward will be deposited into that account. Where the client's Qualifying Assets are transferred to multiple accounts, the Cash Reward will be divided and deposited to each account in proportion to the value of the Qualifying Assets transferred into each account.
- Terms of trading fee rebates: TD Direct Investing will apply a bulk rebate of eligible trades to your Account by November 5, 2025 and then rebate eligible commissionable trades to your New Account by every last business day of the month (starting November 28, 2025) for commissionable trades placed in the previous month. If the last day of the month is a holiday, commission rebates will be applied within the next 2 business days.
Terms of Maintenance Fee rebates: If the quarterly maintenance fee is charged to the account, it will be rebated back to the account on a quarterly calendar basis.
10 Tied in 2023. For J.D. Power 2023 award information, visit jdpower.com/awards
11 TD Savings Account Offer: The $50 cash offer is available to Canadian residents that are of the age of majority in their province or territory at the time of the New Savings Account opening.
To earn $50 in cash you must:
- Open a TD Unlimited Chequing Account (New Chequing Account) between May 29, 2025 and November 5, 2025, and
- Open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth Savings Account (New Savings Account), or a High Interest TFSA Savings Account ("TFSA HISA") within TD Canada Trust TFSA, within 30 days of the New Chequing Account opening, and
- Complete one of the following with the New Savings Account or TFSA HISA:
i. Set up a Pre-Authorized Transfer Service, with their first transaction processed within the first 30 days of the New Savings Account or TFSA HISA opening. The Pre-Authorized Transfer Service must occur either weekly, biweekly, monthly, or twice per month.
ii. Set up Simply Save, with their first transaction processed within the first 30 days of the New Savings Account or TFSA HISA opening.
The following are not eligible to earn the up to $50 cash offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025
- Customers who already had a TD Savings Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024,
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have an existing TD Savings Account, TD Canada Trust Tax-Free Savings Account, TD Mutual Funds Tax-Free Savings Account, or a TD Multi-Holding Tax-Free Savings Account as of May 28, 2024;
- Customers who had a TD Savings Account, TD Canada Trust Tax-Free Savings Account, TD Mutual Funds Tax-Free Savings Account or a TD Multi-Holding Tax-Free Savings Account that was closed on or after May 29, 2024;
- Customers who received any Savings Account offer or TFSA HISA from TD in 2023, 2024, 2025; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
Limit of one $50 cash offer per New Savings Account or TFSA HISA. Limit of one $50 cash offer per customer.
The $50 cash offer will be deposited (in the account specified below)within 12 weeks after all required conditions have been met, provided that the New Chequing Account and the New Savings Account or TFSA HISA are still open, in good standing, and all conditions continue to be met at the time of fulfillment. If an eligible customer has a New Savings Account, the $50 cash offer will be deposited into the New Chequing Account. If an eligible customer has a TFSA HISA but does not also have a New Savings Account at the time of fulfillment, the $50 cash offer will be deposited into the TFSA HISA..
We can change, extend, or withdraw the cash offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services. We can change, extend, or withdraw the cash offer at any time.
12 Limited Time Savings Deposit Offer: The Savings Deposit Offer is available to individuals qualifying as New to Canada that are the age of majority at the time of account opening in their province or territory. To earn between $200 to $2,400 in cash, you must:
- Open a TD Unlimited Chequing Account (New Chequing Account) between May 29, 2025 and November 5, 2025, and
- Open a new TD ePremium Savings Account, TD Every Day Savings Account, or TD Growth Savings Account (New Savings Account) or a High Interest TFSA Savings Account ("TFSA HISA") within a TD Canada Trust TFSA within 30 days of the New Chequing Account opening, and
- Deposit or transfer a minimum of $10,000 or more directly into the New Savings Account from another financial institution(s) within 30 days in the case of a New Savings Account or within 60 days in the case of a TFSA HISA opening and maintain the balance for 120 days (the "Qualifying Deposit"), subject to the following:.
- If a customer withdraws or transfers any part of the Qualifying Deposit during the 120-day period, the amount of the Qualifying Deposit will be reduced accordingly. Should this adjustment cause the Qualifying Deposit to fall below the required minimum of $10,000, the customer will be ineligible for the offer.
- If a customer opens both a New Savings Account and TFSA HISA, or multiple New Savings Accounts and/or multiple TFSA HISAs, within 30 days of the New Chequing Account opening, the Qualifying Deposits in the New Savings Account(s) and/or TFSA HISA(s) cannot be combined, and the amount of the Qualifying Deposit will instead be based solely on the New Savings Account or TFSA HISA with the greatest Qualifying Deposit.
- If any part of the Qualifying Deposit is being transferred directly from another financial institution(s), all funds must be received from the other financial institution(s) by TD and deposited into the account within 30 days, in the case of a New Savings Account, or within 60 days in the case of a TFSA HISA.
- For greater certainty, funds originating from an account held at TD, including, but not limited to, transfers originating from account(s) held at TD and cash withdrawn from another TD account, do not count towards the Qualifying Deposit.
The following are not eligible for the Savings Deposit Offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account), as of May 28, 2025;
- Customers who had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024,
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have a TD Savings Account, TFSA HISA, TD Mutual Funds Tax-Free Savings Account or a TD Multi-Holding Tax-Free Savings Account as of May 28, 2025,
- Customers who had a TD Savings Account, TFSA HISA, TD Mutual Funds Tax-Free Savings Account or a TD Multi-Holding Tax-Free Savings Account that was closed on or after May 29, 2024,
- Customers who received any TD Savings Account or TFSA HISA offer from TD in 2023, 2024, 2025; or
- TD staff members or any TD customers who have a joint account with a TD staff member.
At the end of the 120-day period, the amount of the Savings Deposit Offer (maximum $2,400) will be determined according to the amount of the Qualifying Deposit at that time, based on the following chart:
Cash Tier Minimum |
Cash Offer |
$10,000.00 to $24,999.99 |
$200.00 |
$25,000.00 to $49,999.99 |
$300.00 |
$50,000.00 to $99,999.99 |
$600.00 |
$100,000.00 to $199,999.99 |
$1,200.00 |
$200,000.00+ |
$2,400.00 |
Limit of one Savings Deposit Offer per eligible account. Limit of one Savings Deposit Offer per customer. The Savings Deposit Offer is limited to a maximum of $2,000.
For any New Savings Account or New Chequing Account that is a joint account, at least one account holder must meet the eligibility requirements.
The Savings Deposit Offer will be deposited (in the account specified below) within 12 weeks after all required conditions have been met, provided that the New Chequing Account and the New Savings Account or TFSA HISA are still open, in good standing, and all conditions continuing to be met at the time of fulfillment. If an eligible customer has a New Savings Account, the Savings Deposit Offer will be deposited into the New Chequing Account. If an eligible customer has a TFSA HISA but does not also have a New Savings Account at the time of fulfillment, the Savings Deposit Offer will be deposited into the TFSA HISA.
There may be tax implications associated with the cash offer. Customers should consult with their personal tax advisor for more information. Customers are solely responsible for ensuring that no contribution to their New TFSA HISA exceeds their contribution limits under the applicable tax legislation We can change, extend, or withdraw this offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services. We can change, extend, or withdraw the cash offer at any time.
13 TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer: This Offer starts on May 29, 2025 and ends November 5, 2025 (the "Offer Period"). To be eligible for this offer, you must: (i) be approved for a TD® Aeroplan® Visa Platinum* Card account (“Account”) by November 5, 2025, and (ii) not have opened an Account in the last 12 months. Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to this offer is subject to the Aeroplan Program General Terms and Conditions located at aircanada.com/Aeroplan-terms and conditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Additional Bonus, and Anniversary Bonus described in this offer) to become an Aeroplan credit cardholder and/or to activate, use, or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use, or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.
Subject to the above conditions, under this offer you are eligible to receive: (a) (I) 10,000 bonus Aeroplan points ("Welcome Bonus") after the first eligible purchase is made on the Account; (II) an additional 10,000 bonus Aeroplan points ("Additional Bonus"), if $1,000 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 90 days of Account opening and (b) an annual fee rebate only for the first year of the Account for the primary cardholder and up to 3 additional cardholders (each, a "First Year Rebate") that will be received only if the Account is in good standing at the time the rebate is to be applied and: (I) the primary cardholder of the Account activates their credit card by November 5, 2025 and the first eligible purchase is made on the Account within the first 3 months after Account opening; and (II) provided the primary cardholder conditions in (b)(I) are met, the additional cardholder(s) is/are added to the Account by November 5, 2025. The applicable First Year Rebate will be applied by TD to the Account within 2 monthly statements from the date of the first statement on which an applicable annual fee charge appears.
TD reserves the right to: (i) limit the number of credit card accounts opened by one person, (ii) limit the number of points available under this offer for the Welcome Bonus, Additional Bonus, and Anniversary Bonus, and (iii) if the primary cardholder's credit card is not activated by November 5, 2025, amend this offer to reflect the current offer available at the time the card is activated. The Account must be in good standing at the time the Welcome Bonus, Additional Bonus, and Anniversary Bonus are issued by Aeroplan. Please allow up to 8 weeks after the conditions for each element of this offer are fulfilled for the Welcome Bonus, Additional Bonus, and Anniversary Bonus to be issued by Aeroplan and credited to the Aeroplan member account linked to the Account, which must belong to the primary cardholder. Closing the Account or transferring to another TD credit card account may result in forfeiture of any bonus points not yet awarded under this offer.
Interest rates, fees, and features are effective as of April 30, 2025 unless otherwise indicated and are subject to change.
14 Offer ends November 5, 2025. The value up to $524 could be earned in the first year of Account opening and is based on the combined total value of:
- $124: Annual Fee Rebate for the Primary ($89), and one Additional Cardholder ($35) for the first year, and;
- $400: 20,000 Aeroplan points earned based on the following requirements:
- Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card.
- Additional Bonus of 10,000 Aeroplan Points earned when you spend $1,000 within 90 days of Account opening.
Value is based on the majority of current Aeroplan cardholders receiving a value of $0.02/points or more when redeeming for a flight as of September 30, 2024. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020–Sept 30, 2024.
15 Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html#/ . Aeroplan points may be redeemed only in accordance with the general Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.
Your points will not expire provided that you are the Primary Cardholder of a TD Aeroplan credit card and your Aeroplan account is in Good Standing under the Aeroplan Terms and conditions (aircanada.com/aeroplan-termsandconditions). For more information about the Aeroplan Expiry policy please visit aircanada.com/aeroplan-inactivitypolicy
16 TD Global Transfer Offer Terms & Conditions: The New to Canada TD Global Transfer offer is available to individuals who qualify for the New to Canada package and open a TD Unlimited Chequing Account (“the New Chequing Account”). Starting the month the New Chequing Account is opened, Western Union® Money TransferSM fees charged to the New Chequing Account will be credited back to the New Chequing Account within 45 days of the effective date of the transaction for each eligible TD Global Transfer transaction, up to a 12-month period. Only transfers completed from the New Chequing Account using the following transfer methods are eligible for the offer:
Western Union® Money TransferSM
The Western Union® fee amount is dependent on the amount sent. The New Chequing Account must remain open and in good standing to be eligible for this offer.
Foreign exchange and other bank fees still apply. If you are sending funds in a different currency from the currency of your account, you will be purchasing this other currency from us at the exchange rate we set. Fees are in the currency of the account from which the money is sent. Other banks involved in transferring the money may charge additional fees to the recipient of the funds. For details on fees, please see https://www.td.com/ca/en/personal-banking/products/bank-accounts/accounts-fees.
For details on TD Global Transfer, please see https://www.td.com/ca/en/personal-banking/how-to/international-money-transfer/td-global-transfer/. Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
17 Amazon.ca Gift Card Offer Terms and Conditions: This offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Customers must provide a valid email address and accept the offer by the date presented in the email confirming qualification to receive the Amazon.ca Gift Card offer.
The Amazon.ca Gift Card will be electronically issued and emailed to the email provided to the bank advisor at a branch during the time of the New Chequing Account opening and provided that the New Chequing Account, the TD Savings Account, and TD Credit Card are all still open, in Good Standing, and with the same Chequing Account type until fulfilment of the Amazon.ca Gift Card offer. Please allow 12 weeks after the conditions have been met for fulfillment of the Amazon.ca Gift Card. The Amazon.ca Gift Card is subject to the restrictions set out in the terms and conditions available at amazon.ca/gc-legal and may be subject to change from time to time. TD is not responsible if a gift card is not honoured for any reason, including if the third-party merchant issuing the gift card becomes insolvent or bankrupt. We reserve the right to limit the number of accounts opened by and the number Amazon.ca Gift Cards awarded to any one person.
To earn the $100 Amazon.ca Gift Card offer, you must complete all three conditions below:
- Open a new TD Unlimited Chequing Account ('New Chequing Account') between May 29, 2025, to November 5, 2025.
- Open a new TD ePremium Savings Account, TD Every Day Savings Account, TD Growth Savings Account ("New Savings Account") or a High-Interest TFSA Savings Account (“TFSA HISA”) within TD Canada Trust TFSA, within 30 days of the New Chequing Account opening and complete one of the following with the New Savings Account or TFSA HISA:
- Set up a Pre-authorized Transfer Service with their first transaction processed within the first 30 days of the New Savings Account or TFSA HISA opening. The Pre-authorized Transfer Service must occur either weekly, biweekly, monthly, or twice per month.
- Set up Simply Save with their first transaction processed within the first 30 days of the New Savings Account or TFSA HISA opening
- Apply and be approved for a new TD Cash Back Visa* Card, TD Cash Back Visa Infinite* Card, TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Credit Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Credit Card, TD Low Rate Visa* Card (a New TD Credit Card) by November 5, 2025. The New TD Credit Card must be kept open, active, and in Good Standing for 60 days after account opening.
The $100 Amazon.ca Gift Card Offer is available to Canadian residents that are the age of majority at the time of the TD Savings Account and new TD Credit Card opening in their province or territory.
The following are not eligible to earn the $100 Amazon.ca Gift Card Offer:
- Customers who already have an existing TD Chequing Account (other than a U.S. Dollar Account) as of May 28, 2025;
- Customers who already had a TD Chequing Account (other than a U.S. Dollar Account) that was closed on or after May 29, 2024; or
- Customers who open a New Chequing Account on or after May 29, 2025, but change the account to a type other than the TD Unlimited Chequing Account before this offer is fulfilled;
- Customers who already have a TD Savings Account or TFSA HISA, TD Mutual Funds Tax-Free Savings Account or a TD Multi-Holding Tax-Free Savings Account as of May 28, 2025; or
- Customers who had a TD Savings Account, TFSA HISA, TD Mutual Funds Tax-Free Savings Account or a TD Multi-Holding Tax-Free Savings Account that was closed on or after May 29, 2024; or
- Customers who received any TD Chequing Account, TD Savings Account or TFSA HISA offer from TD in 2023, 2024, 2025.
- TD staff members or any TD customers who have a joint account with a TD staff member.
- Customers who are a Primary Cardholder of a personal TD Credit Card as of May 29, 2025; or
- Customers who have activated and/or closed a personal TD Credit Card account in the past 12 months.
There may be tax implications associated with the cash offer. Customers should consult with their personal tax advisor for more information. Customers are solely responsible for ensuring that no contribution to their new TFSA HISA exceeds their contribution limits under the applicable tax legislation.
All amounts are in Canadian dollars unless otherwise noted. Other conditions may apply. We can change, extend, or withdraw this offer at any time.
For information about transactions and a complete list of account fees, see About Our Accounts and Related Services.
18 TD Global Transfer Offer Terms & Conditions: The International Student TD Global Transfer offer is available to individuals who qualify for the International Student Banking Package and open a TD Unlimited Chequing Account (“the New Chequing Account”). Starting the month the New Chequing Account is opened, TD Global TransferTM fees charged to the New Chequing Account will be credited back to the New Chequing Account within 45 days of the effective date of the transaction for each eligible TD Global Transfer transaction, up to a 12-month period. Only transfers completed from the New Chequing Account using the following transfer methods are eligible for the offer:
(i) Western Union® Money TransferSM
(ii) Visa Direct
(iii) TD Global Bank Transfer
The TD Global TransferTM fee is up to $25. The TD Global TransferTM fee amount is dynamic and will vary depending on the amount being sent, the recipient country, and the currency of the account funding the transaction.
The New Chequing Account must remain open and in good standing to be eligible for this offer.
Foreign exchange and other bank fees still apply. If you are sending funds in a different currency from the currency of your account, you will be purchasing this other currency from us at the exchange rate we set. Fees are in the currency of the account from which the money is sent. Other banks involved in transferring the money may charge additional fees to the recipient of the funds. For details on fees, please see http://www.tdcanadatrust.com/products-services/banking/accounts/fees.jsp.
For details on TD Global Transfer, please see https://www.td.com/ca/en/personal-banking/how-to/international-money-transfer/td-global-transfer/. Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
19 $50 Amazon.ca Gift Card Terms & Conditions: Customers must provide a valid email address and accept the offer by the date presented in the email confirming qualification to receive the Amazon.ca Gift Card offer.
The Amazon.ca Gift Card will be electronically issued and emailed to the email provided to the bank advisor at a branch during the time of the New Account opening and provided all conditions have been met. The Amazon.ca Gift Card is subject to the restrictions set out in the terms and conditions available at amazon.ca/gc-legal and may be subject to change from time to time. TD is not responsible if a gift card is not honoured for any reason, including if the third-party merchant issuing the gift card becomes insolvent or bankrupt. We reserve the right to limit the number of accounts opened by and the number Amazon.ca Gift Cards awarded to any one person. Your TD account must be open, active, and in good standing at the time the Amazon.ca Gift Card is issued. Please allow 12 weeks after the conditions have been met for fulfillment of the Amazon.ca Gift Card.
To earn the limited time Amazon.ca Gift Card offer, you must complete all three conditions below:
1) Open a New Account between May 1, 2025, and November 5, 2025 and complete any two of the following with the New Account before January 31, 2026:
i. Set up a recurring Direct Deposit from your employer or the Government, with the first deposit posted to the New Chequing Account by January 31, 2026. The Direct Deposit must occur either weekly, biweekly, monthly, or twice per month. Whether or not a Recurring Direct Deposit is acceptable for this offer is subject to our approval;
ii. Set up Autodeposit for Interac e-Transfer® and send or receive one e-Transfer of at least $50 by January 31, 2026;
iii. Make an online purchase using your TD Access Card with Visa* Debit by January 31, 2026. Regular transaction fees may apply; see About Our Accounts and Related Services for more information;
iv. Set-up a recurring Pre-authorized Transfer Service or Simply Save from the New Chequing Account to a TD Every Day Savings Account, TD ePremium Savings Account, or TD High Interest Savings Account by January 31, 2026. Recurring Pre-authorized Transfer can be daily, weekly, bi-weekly, or monthly. Simply Save can be daily, weekly, or bi-weekly of any amount between $0.50 to $5.00; or
2) Open a New Savings Account by November 5, 2025, and complete one of the following with the New Savings Account:
i. Set up a Pre-authorized Transfer Service, with your first transaction processed by January 31, 2026. The Pre-authorized Transfer Service must occur either weekly, biweekly, monthly, or twice per month.
ii. Set up Simply Save, with your first transaction processed by January 31, 2026.
3) Apply for, be approved, and activate a new TD Cash Back Visa* Card, TD Rewards Visa* Card, TD Platinum Travel Visa* Card, TD First Class Travel® Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Credit Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Credit Card, TD Cash Back Visa Infinite* Card, or TD Low Rate Visa* Card (a "new TD Credit Card") by April 30, 2025. Your new TD Credit Card must be open, active, and in Good Standing at the time the Amazon.ca Gift Card is issued.
Accept the offer by the date presented in the email, confirming qualification to receive the Amazon.ca Gift Card.
Customers who are a Primary Cardholder of a Personal TD Credit Card as of May 1, 2025 will not receive this offer. This offer is not available to customers who closed a Personal TD Credit Card account in the last 6 months.
Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated.
20 Monthly Overdraft Protection Service Saving on the TD Student Chequing Account: Save $60 in 12 months with no monthly fee for the TD Monthly Plan Overdraft Protection service set up on a TD Student Chequing Account (regular $5 monthly fee for Monthly Plan Overdraft Protection).
For more information about transactions and a complete list of account fees and Overdraft Protection Service Fees, see About Our Accounts and Related Services.
TD Direct Investing is a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Easy Trade™ is a service of TD Direct Investing, a division of TD Waterhouse Canada Inc., a subsidiary of The Toronto-Dominion Bank.
TD Bank Group means The Toronto-Dominion Bank and its affiliates, who provide deposit, investment, loan, securities, trust, insurance, and other products or services.
Interac e-Transfer® is a registered trademark of Interac Corp. Used under license.
® Aeroplan is a registered trademark of Aeroplan Inc., used under license.
The Toronto-Dominion Bank is the issuer of the TD Cash Back Visa* Card..
Amazon and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
Visa* is a registered trademark of Visa International Service Association, used under license.
The WESTERN UNION name, logo, and related trademarks and service marks, owned by Western Union Holdings, Inc., are registered and/or used in the U.S. and many foreign countries, and are used with permission.
® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.